Credit union · NCUA insured
Natural Resources Conservation Service FCU Auto Loan Rates
Natural Resources Conservation Service FCU auto loans start at 5.00% APR for a new vehicle and 5.25% for a used one. Rates checked October 16, 2026.
How Natural Resources Conservation Service FCU’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Natural Resources Conservation Service FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Natural Resources Conservation Service FCU
5.00%APR
- Terms
- up to 72 months
- Up to
- 15.25% APR
- Discount
- Included in the rate
New Auto Loans (2025 or 2024 Year Model with Mileage Not to Exceed 5,000 Miles - Otherwise - Used Vehicle)
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
- Up to
- —
- Discount
- None included
Natural Resources Conservation Service FCU auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Natural Resources Conservation Service FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle Loans
Rate based on creditworthiness and term of loan. Does not include available discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 8.75%–17.00% | Does not include available discounts. Rate based on creditworthiness and term of loan. |
Sources (1)
- nrcscreditunion.org/loan-rates · captured Oct 6, 2026
New Auto Loans (2025 or 2024 Year Model with Mileage Not to Exceed 5,000 Miles - Otherwise - Used Vehicle)
2025 or 2024 Year Model with Mileage Not to Exceed 5,000 Miles - Otherwise - Used Vehicle. Rate based on creditworthiness and term of loan. Does not include available discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.00%–15.25% | Does not include available discounts. Rate based on creditworthiness and term of loan. |
Sources (1)
- nrcscreditunion.org/loan-rates · captured Oct 6, 2026
Used Auto Loans (2015-2018)
Rate based on creditworthiness and term of loan. Does not include available discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.50%–17.00% | Does not include available discounts. Rate based on creditworthiness and term of loan. |
Sources (1)
- nrcscreditunion.org/loan-rates · captured Oct 6, 2026
Used Auto Loans (2019-2024)
Rate based on creditworthiness and term of loan. Does not include available discounts.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 5.25%–15.50% | Does not include available discounts. Rate based on creditworthiness and term of loan. |
Sources (1)
- nrcscreditunion.org/loan-rates · captured Oct 6, 2026
Who can join Natural Resources Conservation Service FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Independent contractors working in fields related to nature, land, soil & water conservation, fish & fisheries, game & wildlife, parks & recreation, environmental quality, erosion, geological surveys, or weather who work or live in eligible states are eligible for membership.
Military, government and schools
- Government employees at federal, state, county, and city levels in natural resource, conservation, and related fields who work or live in eligible states are eligible for membership.
Family and household
- Families of eligible government employees and independent contractors are eligible for membership.
Membership information collected October 5, 2026.